college Planning
The College Funding Masterclass
The Blueprint for Debt-Free Education
Most families believe they only have two choices: drain their retirement or bury their student in debt. There is a third way. Watch this brief masterclass to discover the strategic funding methods we use to help parents save for college while keeping their own financial future secure.
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Strategic Funding Plans Designed for Growth, Protection, and Peace of Mind.
Send Them to College Without Sacrificing Your Retirement.
The Dilemma:
Tuition vs. Retirement
Every year, families in the New York-New Jersey area are forced to make a heart-wrenching choice: fund their child’s education or secure their own future. With 30 years of industry experience, Glenn V. Castillo and Castillo Financial Group prove you don’t have to choose. We help you build a strategy where your money does double duty—securing a degree for them and a legacy for you.
Our Solution:
Your Personal Pension Plan
We specialize in converting a portion of your retirement assets into a Guaranteed Income Stream. Using a combination of Fixed Indexed Annuities and Income Riders, we create a "Retirement Income Floor" that covers your essential expenses for as long as you live.
The Financial Aid Advantage
Unlike 529 plans, the cash value in an IUL is typically not counted as an asset on the FAFSA. This can significantly increase your child’s eligibility for need-based financial aid.
Market-Protected Growth
Your college fund is shielded from market crashes. We use an "indexed floor" strategy so your savings only move in one direction—up.
Ultimate Flexibility
If your child receives a full scholarship or chooses a different path, that money isn't "trapped." It remains yours to use for retirement, a home down payment, or any other goal without heavy penalties.
Tax-Free Distributions
Access your funds tax-free to pay for tuition, room, board, and books.
Strategic Funding Plans Designed for Growth, Protection, and Peace of Mind.
Send Them to College Without Sacrificing Your Retirement.
The Dilemma:
Tuition vs. Retirement
Every year, families in the New York-New Jersey area are forced to make a heart-wrenching choice: fund their child’s education or secure their own future. With 30 years of industry experience, Glenn V. Castillo and Castillo Financial Group prove you don’t have to choose. We help you build a strategy where your money does double duty—securing a degree for them and a legacy for you.
Our Solution:
Your Personal Pension Plan
We specialize in converting a portion of your retirement assets into a Guaranteed Income Stream. Using a combination of Fixed Indexed Annuities and Income Riders, we create a "Retirement Income Floor" that covers your essential expenses for as long as you live.
The Financial Aid Advantage
Unlike 529 plans, the cash value in an IUL is typically not counted as an asset on the FAFSA. This can significantly increase your child’s eligibility for need-based financial aid.
Market-Protected Growth
Your college fund is shielded from market crashes. We use an "indexed floor" strategy so your savings only move in one direction—up.
Ultimate Flexibility
If your child receives a full scholarship or chooses a different path, that money isn't "trapped." It remains yours to use for retirement, a home down payment, or any other goal without heavy penalties.
Tax-Free Distributions
Access your funds tax-free to pay for tuition, room, board, and books.
Get tomorrow’s competitive edge today
Trusted by industry leaders and featured across major national networks.
Get tomorrow’s competitive edge today
Trusted by industry leaders and featured across major national networks.
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Is Your College Fund Protected?
Don't wait until high school to realize you're behind or that your assets will hurt your financial aid chances. Get a professional "College Readiness Audit" from an expert with 30 years of results.
Fill out the form or drop us a message. We’ll get back to you promptly with the support, clarity, and guidance you need to move forward with confidence.
Please Fill Out This Form With Your Information
Let's Connect
Ready to Secure Your Maximum Benefit?
Stop guessing and start planning. Let an expert with 30 years of experience audit your retirement future.
Fill out the form or drop us a message. We’ll get back to you promptly with the support, clarity, and guidance you need to move forward with confidence.
Please Fill Out This Form With Your Information
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